“…This model was firstly introduced by Davis (1989), presenting perceived ease of utilization (PEOU) and perceived usefulness (PU) as attitudes determining the intention to use. Furthermore, many researchers modify the technological utilization model by adding customer trust as influenced factor by PEU (Roca, García, & de la Vega, 2009;Aghdaie, Piraman, & Fath, 2011;Primananda, Setyaning, Hidayat, & Ekasari, 2020;Wilson, Keni, & Tan, 2021) and PU (Roca et al, 2009;Revels, Tojib, and Tsarenko, 2010;Gu et al, 2009;Aghdaie et al, 2011;Amin, Rezaei, & Abolghasemi, 2014;Al-Sharafi, Arsha, Abu-Shanab & Elayah, 2016;Primananda et al, 2020;Wilson et al, 2021). Also, Flavián & Guinalíu (2006), Roca et al (2009), Damghanian, Zarei, and Kojuri (2016), Al-Sharafi et al (2016), Ismail, Roslan, Fauzi, and Husin (2017, add perceived security as the trust determinant.…”